Fees & Insurance

Out-of-network benefits are part of some insurance plans that allow you to see a provider who is not directly contracted with your insurance company — and still receive partial reimbursement.

If your plan includes out-of-network benefits, your insurance company may reimburse you for a percentage of each session fee after you submit a claim.

In simple terms: you pay upfront, and your insurance may pay you back for part of the cost.

Reimbursement rates vary depending on your plan, deductible, and coverage, but many clients with PPO plans receive a significant portion of their session fee back.

If you’re unsure whether your plan includes out-of-network benefits, we’re happy to help you check before you start therapy.

If your insurance plan includes out-of-network benefits, you can see a therapist who is not in-network and still receive partial reimbursement.

Here’s what that typically looks like:

1. You pay for your session at the time of service.

2. We provide you with documentation of the session (called a superbill).

3. You submit that documentation to your insurance company — or use our claims partner, Mentaya, to submit it for you.

4. If your plan includes out-of-network coverage, your insurance company reimburses you for a percentage of the session fee.

The amount you’re reimbursed depends on your specific plan, your deductible, and your coverage details.

In short: you pay upfront, then your insurance may pay you back for part of the cost.

If you’d like, we can help you verify your benefits so you have a clearer estimate of your expected reimbursement before starting.

The easiest way to find out is to call your insurance company or use our instant insurance benefits calculator.

When you call your insurance, ask:

• Do I have out-of-network benefits for outpatient mental health therapy?

• What is my out-of-network deductible?

• How much of my deductible has been paid this year?

• When does my deductible reset?

• Do I need pre-authorization from my doctor? 

• What is my co-insurance per session? (Co-insurance is the percentage of the session fee that you pay out of pocket after your deductible is met. Your insurance company will reimburse you the rest.)

• Is there a limit to the number of sessions covered per year?

• Do I have an out-of-pocket maximum? (This means that after you pay a certain amount out-of-pocket, your insurance should fully cover the cost of your sessions.)

• How do I submit out-of-network claims?

You’re still welcome to work with us as a private pay client.

Many clients choose private pay intentionally. Your care remains fully private and guided by your needs — not by mandated diagnoses, session limits, or treatment restrictions.

There’s no requirement to assign a diagnosis for coverage purposes, and no predetermined structure deciding how long you “should” be in therapy. This allows us the flexibility to focus on meaningful, lasting change rather than fitting your work into an insurance model.

If you’re unsure what makes the most sense for you financially, we’re happy to talk it through during a consultation.

A deductible is the amount you must pay out of pocket for healthcare services each year before your insurance company begins reimbursing you.

For example, if your out-of-network deductible is $1,000, you would pay for eligible out-of-network healthcare services until you’ve met that $1,000 amount. After that, your insurance may begin reimbursing you for a percentage of each session fee.

Deductibles reset each calendar year, and the amount varies depending on your specific plan.

If you’re unsure what your deductible is — or whether you’ve already met it — we’re happy to help you figure that out before you begin.

A PPO (Preferred Provider Organization) is a type of insurance plan that typically allows you to see both in-network and out-of-network providers.

If you see an in-network provider, your insurance pays them directly and your out-of-pocket cost is usually lower.

If you see an out-of-network provider (like our practice), you pay for sessions upfront, and your insurance may reimburse you for a percentage of the cost — depending on your specific plan and deductible.

Many PPO plans include out-of-network benefits, which is what makes reimbursement possible.

If you’re unsure what type of plan you have, you can check your insurance card, log into your insurance portal, or call the number on the back of your card. We’re also happy to help you review your benefits before you begin.

Julie currently has one sliding scale spot available on her caseload.

Sliding scale availability is limited and based on financial need. If you’re interested in being considered, please schedule a free 15-minute consultation to discuss eligibility and determine whether it may be a good fit.

We keep a secure credit, debit, or HSA/FSA card on file for all clients.

Your card is automatically charged after each session (typically at midnight on the day of your appointment), so you don’t have to worry about invoices or manual payments.

We accept all major credit and debit cards, including American Express, Discover, Mastercard, and Visa, as well as HSA and FSA cards.

Many of our clients who get reimbursed for therapy using their out-of-network benefits have Aetna, Blue Cross Blue Shield, Cigna, and United Healthcare/UMR.

Some of these plans’ out-of-network benefits look like:

$1,000 deductible with 90% reimbursement after deductible

$200 deductible with 80% reimbursement

$2,250 deductible with 60% reimbursement